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| Provider | Service type | Compensation |
|---|---|---|
Filed as: HERITAGE PENSION SERVICES, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $78,040 |
CARON & BLETZER, PLLC6+ years Service code 10 · EIN 04-3499945 | Accounting | $10,795 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,303 | $46,332-23.8% | $143,799-75.4% | $64,819-45.5% |
| Participation rate | 31.5% | 64.2%-32.7pp | 80.3%-48.8pp | 71.5%-39.9pp |
| Annual return | -13.47% | -10.05%-3.4pp | -0.04%-13.4pp | 32.84%-46.3pp |
| Employer contribution / active EE | $165 | $1,911-91.3% | $4,952-96.7% | $2,507-93.4% |
| Participant deferral / active EE | $1,366 | $2,647-48.4% | $5,638-75.8% | $4,311-68.3% |
| Admin fee / account holder | $320 | $154+108.1% | $14,677-97.8% | $188+70.5% |